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Courtesy Pay FAQs

What is Courtesy Pay?

Courtesy Pay is a service we offer to eligible checking account members which pays for items that exceed the balance in your checking account, after Overdraft Protection has been applied. You overdraw your checking account for the cost of the transaction(s) up to your approved limit plus a $30 fee for each item.

How does Courtesy Pay benefit me?

It helps when you have an emergency, such as an unexpected bill between paychecks.

It protects you from the embarrassment of being declined at the point of sale.

It saves your credit rating from being negatively impacted by non-sufficient funds charges.

It saves you money in comparison to paying NSF charges or returned check fees. For example:

Without Courtesy Pay

With Courtesy Pay

You write a check

$50

$50

Overdraft/NSF Fee

$30

$30

Merchant tries to redeposit check. Declined

$30

$0

Merchant returned check fee

(up to) $70

$0

You could end up paying

$180

$80

Why am I being asked to opt in?

Federal regulations require members to opt in to receive this extra coverage.

Is there a fee to opt in?

No, there is no fee to opt in.

Is there a fee for Courtesy Pay?

Yes, a $30 fee is charged each time you use Courtesy Pay to pay for an item.

What if I don’t plan to use Courtesy Pay?

There is no cost to you unless you use it, and it will only be used as a last line of defense after overdraft protection has been accessed. We still recommend that you opt in to protect your ATM and debit card transactions.

If I use Courtesy Pay, when do I need to bring my account current?

Your account should be brought current as soon as possible. In order to avoid interruption of Courtesy Pay service, your account must be brought current within 30 days of initial use.

How will I be notified that Courtesy Pay was used?

A notice will be mailed (or e-mailed if you receive e-statements) if your account has not been brought current within 10 days of accessing Courtesy Pay. You will continue to receive periodic notices.

How will I receive my notices?

If you have elected to receive your statements electronically, you will receive your notices electronically. If you receive a statement via the mail, then your notices will be mailed.

I already have Overdraft Protection. What is the difference?

Overdraft Protection uses an existing account or line of credit that you have designated to automatically transfer money from one to the other when you exceed your checking account balance. When that has been exhausted, Courtesy Pay will cover your transaction(s) up to your approved limit. It’s another line of defense when overdraft protection is not enough.

What if I would like to opt out of Courtesy Pay?

We offer three ways to opt out:

Log in to Online Banking and select the Courtesy Pay tab

Contact our Member Care Center at 770-476-4600, option #3.

Visit one of our branches

Are there any circumstances when an overdraft item won’t be paid?

Yes, overdrafts may not be paid if your account is not in good standing, or you are not making regular deposits or you have too many overdrafts. Click here for more information.

To learn more about saving, investing and money management, visit www.mymoney.gov.

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